CSB Bank Limited CSBBANK NSEFINANCIAL
CSB Bank Limited provides banking and financial services for small and medium enterprises, retail, and non-resident individuals in India. The company operates through Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations segments. It offers savings and current, salary/payroll, and fixed and recurring deposit accounts, as well as family banking and segmented products; insurance products, such as life, health, and general insurances, as well as social security schemes; personal, gold, vehicle, home, small business, agriculture, and educational loans, as well as MFI Loans, two-wheeler loans, and healthcare finance; loan against securities and property; doorstep banking services, such as cash pickup and cash delivery, and cheque pickup and reconciliation; and corporate internet banking. The company also provides investment services, such as e-trade and sovereign gold bond; credit and debit cards; digital access and value added services; NRI banking services including NRO, NRE, FCNR, and RFC accounts; and forex services, including outward remittance, foreign currency cash, and integrated treasury services, as well as Agri-banking and financial inclusion services. In addition, it offers SME and corporate banking services, which includes term and working capital loans, export and import finance, letter of credit, buyer and suppliers credit, commercial vehicle and consumption loans, bill discounting, trade and bill finance, cash management, and bank guarantee; ATMs and CDMs; internet, mobile, and WhatsApp banking; and locker facilities. CSB Bank Limited was formerly known as The Catholic Syrian Bank Limited. CSB Bank Limited was incorporated in 1920 and is headquartered in Thrissur, India.
READ MORE ›Market & Price
Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Excellent profit margin of 23.8%.
- Compounding revenue at 20.6% over 5 years.
CONS
- Trading 36.7% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | CSBBANK CSB Bank Limited NSEFINANCIAL | 352.85 | 9.67 | ₹5,980.02 Cr | - | - | 13.48% | 20.65% | 4.97% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 752.74 Cr | 624.12 Cr | 772.76 Cr | 729.67 Cr | 770.37 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 435.99 Cr | 403.81 Cr | 493.46 Cr | 437.56 Cr | 476.70 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 609.62 Cr | 661.53 Cr | 685.60 Cr | 701.04 Cr | 736.70 Cr |
| Pretax Income | 256.54 Cr | 159.52 Cr | 215.65 Cr | 205.34 Cr | 270.65 Cr |
| Tax Provision | 66.10 Cr | 40.92 Cr | 55.32 Cr | 52.67 Cr | 69.07 Cr |
| Net Income | 190.44 Cr | 118.60 Cr | 160.33 Cr | 152.67 Cr | 201.58 Cr |
| Diluted EPS | 10.98 | 6.84 | 9.24 | 8.80 | 11.62 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 1,649.61 Cr | 2,060.83 Cr | 2,448.23 Cr | 2,896.92 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 944.86 Cr | 1,290.87 Cr | 1,537.99 Cr | 1,811.53 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 985.81 Cr | 1,451.13 Cr | 2,120.97 Cr | 2,784.87 Cr |
| Pretax Income | - | 733.61 Cr | 761.44 Cr | 799.53 Cr | 851.16 Cr |
| Tax Provision | - | 186.25 Cr | 194.62 Cr | 205.73 Cr | 217.98 Cr |
| Net Income | - | 547.36 Cr | 566.82 Cr | 593.80 Cr | 633.18 Cr |
| Diluted EPS | 26.43 | 31.55 | 32.67 | 34.23 | - |
Compounded Sales Growth
| 5 Years: | 20.65% |
| 1 Year: | 7.90% |
Compounded Profit Growth
| 5 Years: | 4.97% |
| 1 Year: | 5.80% |
Stock Price Performance
| 1 Year: | -3.54% |
| 6 Months: | -16.77% |
| 3 Months: | -7.06% |
| 1 Month: | -9.88% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 29,162.28 Cr | 36,055.99 Cr | 47,836.27 Cr | 57,726.52 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 2,023.91 Cr | 3,291.90 Cr | 3,676.03 Cr | 4,096.80 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 610.58 Cr | 705.66 Cr | 512.09 Cr | 630.48 Cr | - |
| Total Liabilities | - | 25,958.66 Cr | 32,252.34 Cr | 43,338.54 Cr | 52,832.24 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 782.97 Cr | 1,757.38 Cr | 5,246.28 Cr | 7,154.44 Cr |
| Total Equity | - | 3,203.63 Cr | 3,803.65 Cr | 4,497.73 Cr | 4,894.28 Cr |
| Shares Outstanding | - | 17.35 Cr | 17.35 Cr | 17.35 Cr | 17.35 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 2,211.48 Cr | 1,782.98 Cr | -5,255.52 Cr | -313.65 Cr |
| Investing Cash Flow | - | -724.32 Cr | -1,439.21 Cr | 1,903.91 Cr | -789.89 Cr |
| Financing Cash Flow | - | -1,224.22 Cr | 974.41 Cr | 3,788.90 Cr | 1,608.16 Cr |
| Capital Expenditure | - | -75.21 Cr | -118.42 Cr | -300.24 Cr | -191.37 Cr |
| Free Cash Flow | - | 2,136.28 Cr | 1,664.55 Cr | -5,555.76 Cr | -505.02 Cr |
| Net Change in Cash | - | 262.95 Cr | 1,318.18 Cr | 437.29 Cr | 504.62 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 33.2% | 27.5% | 24.3% | 21.9% |
| ROE % | - | 17.1% | 14.9% | 13.2% | 12.9% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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